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Letter-Introduction of Peragram to Rural Banks

August 7, 2006

TO: ALL RURAL BANKS / COOP BANKS

FROM: ATTY. FRANCIS S. GANZON, PRESIDENT

SUBJECT: LETTER-INTRODUCTION OF PERAGRAM TO RURAL BANKS

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We are pleased to introduce PeraGram, a local representative of MoneyGram International Limited (MIL), a remittance company based in the USA with offices in all the major continents of the world. PeraGram offers a person-to-person money transfer service that allows consumers to send or receive money around the world in minutes. It provides an automated efficient system with excellent support mechanisms. More importantly, it provides its customers with a fast, convenient and secure way to receive money sent by relatives and migrant workers overseas.

As a new partner of RBAP, Peragram offers additional opportunities and values to rural banks that will avail of their money transfer service by way of expanding their prospect of increasing their remittance and funds transfer businesses. Moreover, PeraGram transactions are compliant with the Anti-Money Laundering Act (AMLA) which reports both “suspicious” and “covered” accounts.

We are therefore endorsing PeraGram. as the official representative of the MoneyGram service in the Philippines serving with the rural banks.

They are offering your bank the opportunity to expand your services to your customers by enlisting in our program. Peragram shall provide full point-of-sale support by way of lighted signage, posters, and other merchandising materials to generate awareness in your service areas. They will also provide the necessary training that your staff may need to enable to extend quality service to your customers.

For your interest and reference, we are enclosing a world map showing the MoneyGram locations worldwide, a transaction flowchart, and a schedule of their fees. We enjoin you to call this contact person at the following numbers indicated below to arrange for a visit by a PeraGram staff to discuss your participation as a PeraGram-affiliated rural bank.

Mr. Peter A. A. Daleon, Operations Manager
G/F Ganare Bldg., 2241 Taft Ave., Malate, Manila
Tel: (632) 524-5969/ 524-5985
Fax: (632) 524-5948
E-mail: peteraadeleon@peragram.bayandsl.ph .